O Learned and Devoted Servants of God,
The attraction for money is the strongest illusion of all the worldly illusory bonds. Generally, illusion disappears after realization. You approach the mirage due to your attraction for water. As soon as you approach it, it disappears and the immediate realization removes your illusion. But, in the case of money, you are realizing that it brings misery and problems based on the experience of several occasions. At the end of each event, you receive the realization of truth. But, the illusion is never dead and you run after money every time. The realization dies at the end of each occasion. In the case of mirage, you are not attracted again and again.
Therefore, there is basic difference between the illusion for mirage and the illusion for money. The difference is that the illusion for the mirage is created by the inert nature and the illusion for the money is created by the will of God. Now, you may say that God must be ultimately responsible for all the sins related to attraction for money. But, God is not at all responsible for the sin of any human being. This is a subject of careful analysis.
We agree that the attraction for money is due to will of God and due to this reason only this attraction is very powerful. There is no sin in your attraction for money starting from the basic needs of life. Money is required even to do charity to deserving devotees. There is no sin in earning money for basic needs and for doing good charity.
In fact, good charity gives good results in this world as well as in the upper world. Hence, if your attraction for money happens to be the basis for fulfilling the basic needs and for doing good charity, there is no trace of sin in it. Therefore, the will of God creating attraction for money in you need not be considered bad at all. In fact, the aim of God is only in this right direction. The same basis of attraction for money is diverted by you only in the wrong direction. Due to this basis, you are looting the money of poor people for your meaningless ambition of blind selfishness avoiding even a trace of analytical mind. You are accumulating crores and crores of rupees in the Swiss Bank for the sake of your wife and children. They are not more than half a dozen and how much money is required for them? You do not have even a trace of analysis in your blind brain, which is intoxicated with the poisonous ambition. You finally end in the misery due to the anger of God since this wrong direction is not at all in His aim.
Similarly, the sexual life (Kama) is as good as money (Artha). If you limit yourself to your wife, it is the right direction accepted by God (Dharmaaviruddhah kaamosmi… Gita). Attraction for opposite sex is also created by God for the sake of propagating your dynasty. Such attraction for the opposite sex is due to the will of God only. But, you cross the limits as in the case of money and such wrong direction provokes the anger of God, which results in problems and misery. The Mahabharatha preaches about the misery due to the wrong direction of money and the Ramayana preaches the misery resulting from the wrong direction of sexual life. If you follow the path of right direction (Dharma) in the case of money (Artha) and in the case of sexual life (Kama), God is pleased with you and this point is stated by the poet Kalidasa (Apyarthakamau tasyaastaam Dharmayeiva). These three (Dharma, Artha and Kama) put together are called as the triad (Trivarga). These three constitute the worldly life set to please God (Pravrutti).
Nivrutti is totally different, which is related to the nature of God and is beyond this triad. It is not related to the behavior of human beings and is totally different line called as Moksha. It is related to the God in human form as explained in the Bhagavatam. It deals with the abnormal behavior of a devotee to cause extreme pleasure in God. As long as you are a human being, you should not cross the limits of Pravrutti. If God is extremely pleased with you and selects you as the medium for the Human Incarnation, the behavior of God through you comes under Nivrutti. You should not bend the Human Incarnation to the procedure of Pravrutti since it is wrong. Similarly, you should not elevate yourself to Nivrutti assuming that you are already God. The truth is that neither the human incarnation is ordinary human being nor the ordinary human being is the super natural human incarnation.